PIFs of Alfa-Bank: profitability, dynamics analysis, reviews

The funds of Alfa-Bank are becoming more popular among the population of the Russian Federation. The main reason is to increase the profitability of deposits.

What is a unit investment fund?

The term PIF is an abbreviation of a unit investment fund, a property complex that is based on the trust management of a specialized company. The purpose of the fund is to increase the value of property in the future.

The property of the fund consists of the shares of the founders. To create mutual funds, they are obliged to transfer the rights to dispose of their property to the management company.

Specialized company

Specialized is considered to be a company that manages a mutual investment fund. Management must satisfy the interests of investors, as well as not go beyond the law.

The share of the depositor is determined by the number of mutual funds. The share itself is a security that certifies the ownership of the property. Also, the share determines the owner's share in the fund.

Mutual Funds of Alfa-Bank

At the end of the last century, Alfa-Capital became part of Alfa-Bank. To date, the company has more than four hundred implementation points, which is a great advantage of the group.

Now the clients are provided with a wide range of mutual funds. All of them can be divided into three large categories:

• classic;
• Sectoral funds;
• Specialized funds.

Liquidity, risk and profitability of mutual funds of Alfa-Bank together with the structure of investments distinguish them from each other. Classical mutual funds are bonds and shares. The reliability of the portfolio is determined by the number of bonds in it. One should remember the main rule: with a large number of shares in the mutual fund portfolio, the profitability of Alfa-Bank's funds will fall, but the risk of losing money will be very small. This rule also works in the opposite direction: the higher the share of shares in the structure of the unit investment fund, the higher its profitability, and therefore the risk of the portfolio increases.

As for sectoral mutual funds, they belong to a certain branch of the economy. For example, to trade, resources, infrastructure and so on. Thus, if the investor invests his funds in one of the funds, the income will be received only if the corresponding sector of the economy grows.

Characteristics of mutual funds. Classic Mutual Funds

From the name of mutual funds one can understand that their target audience are conservative investors who are not very prone to risky operations. Classic Alfa-Bank Mutual Funds will appeal to those investors who wish to invest money in understandable financial instruments, which are the constituent elements of the classic portfolio, that is, bonds and shares.

Mutual fund managers try to balance the portfolio, thus making it less risky. The following mutual funds are classified as classic mutual funds:

1. The MICEX index.
2. Balance.
3. Liquid shares.
4. Bonds plus.
5. Shares of growth.
6. Eurobonds.
7. Reserve.

This type of investment funds is the most common. They exist in almost every specialized company. Monitoring of the dynamics of mutual funds of Alfa-Bank or another management company makes it possible to understand how appropriate it is to invest in a particular fund.

Alfa-Bank mutual fund "Balance"

In this mutual fund, the main instruments are shares and bonds of large companies in Russia. This is the main reason for the balance of the fund. Already during the first three years, "Balance" has grown in value by almost 65%.

During the first six months of the existence of this mutual fund, its value fell by 0.3%. However, by the end of the first year the price of the mutual fund "Balance" has risen by almost 21%. Since the formation of the fund, its value has increased by 60%.

Alfa-Bank Mutual Investment Fund "Growth Shares"

This fund gives the investor an opportunity to invest his money in shares of not very large and little-known companies. Thus, investors buy securities of enterprises, while having a high growth prospect.

In addition, the PIF "Stocks of growth" gives an opportunity to invest in companies from around the world. Due to this possibility, a high level of diversification is achieved.

In the first month since the creation of the fund, its value increased by 0.72%. Six months later, the mutual fund added another + 13% to its value. Since the moment the fund was created, its value has increased by more than 117%, which is almost twice as much as the value of the mutual investment fund "Balance".

"Alfa-Bank" mutual investment fund "Bonds Plus"

The most reliable are those debt instruments owned by the state. The mutual fund "Alfa-Bank" "Bonds Plus" enables the investor to buy securities with a low level of risk. Issuers of such securities are the state.

Since the moment of creation, the value of the mutual investment fund "Bonds Plus" has grown by 220%. This is one of the best indicators among all mutual funds, which provides Alfa-Bank. The biggest increase in value is only in "Eurobonds" (almost 300%) and "Liquid shares" (approximately 230%).

Other classic mutual funds provided by Alfa-Bank

Analysis of mutual funds "Alfa-Bank" shows that the largest increase in value belongs to the "Liquid shares" and "Eurobonds". Slightly behind and "Bonds Plus." The PIF "Reserve" grew in value by 190%.

The only classic fund that has fallen in price since its inception is the MICEX Index. It has fallen in price by 12%, although in the beginning it showed good results - in three years its cost has grown by half. The main instrument of this fund is the securities of domestic companies.

Specialized mutual funds

This category of funds is divided into three classes: "Strategic Investments", "Alpha-Capital" and "Gold." From the name of the first fund it can be understood that it involves investing in an investor's portfolio, which can be diversified in terms of time and currency. Such portfolios can include long-term and medium-term securities. In the first six months, the fund lost almost 5% in value, but already now the price for it is 128% higher than it was at the time it was formed.

The PIF "Gold" fell very badly. Three years after its inception, the price of the fund has increased by 76%, but at the moment the price increase is less than 1%.

"Alfa-Capital" is one of the oldest funds among all mutual funds, which are represented on the market. Its feature is interval character. At the moment, he added to the cost of almost 270%. This unit investment fund consists of the most liquid shares, reliable bonds, and also from securities with a great prospect of significant growth.

Industry funds

This group consists of five funds: Technology, Infrastructure, Brands, Trade and Resources. The first in the list of funds gives the investor the opportunity to invest in the shares of the enterprise, which carry out their activities in the sphere of high technologies. The main difference between securities of such companies is a high growth perspective. Also, investments in this fund can be calculated for a long period of time. Since the establishment of the mutual fund, its value has increased by almost 110%. Although in the first year the price of the fund has fallen steadily.

Mutual funds "Trade" and "Resources" increased in price by 65% each. The first fund provides an opportunity to invest in companies that relate to the trade sector, as well as to the sectors of the chemical industry, engineering and food industries. Investments in "Resources" involve investing in the oil and gas sector of the economy, which is very promising in modern times.

Unit investment funds "Brands" and "Infrastructure" lost 31% and 12%, respectively. The mutual fund "Brands" allows you to invest money in the financial sector. Diversification of the portfolio - by countries and currencies. "Infrastructure" involves obtaining stable dividends from investing in the energy sector. However, in recent years, its profitability has fallen significantly.

Briefly about reviews

When choosing a mutual investment fund for investment of funds for help will come reviews about mutual funds of Alfa-Bank. Of course, they can be positive and negative. Many users on the Internet express their dissatisfaction with the fact that Mutual Funds can not guarantee a stable income.

The most popular is the classic PIF "Eurobonds" mentioned by us. Also very many began to invest in industry mutual funds, namely - in high technology. Very often, in a positive way, they write about the fact that Mutual Funds expand the list of objects for investment.